Relevant Life Insurance Key Person Insurance Shareholder Protection

Our Services

Whole-of-market protection advice for individuals, families and businesses — with no broker fees.

No Broker Fees

Our advice is completely free to you — we are paid by the insurer.

Whole of Market

We search across all leading insurers to find the right fit for your needs.

FCA Regulated

Authorised and regulated by the Financial Conduct Authority.

Independent Advice

We work for you, not the insurer — always recommending what is right for you.

Personal Protection

Protect You & Your Family

From life insurance to income protection, we help individuals and families find the right cover at the right price.

Life Insurance

Pays a lump sum to your family if you die during the policy term. Essential if you have a mortgage, children, or anyone who depends on your income.

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Critical Illness Cover

Pays a tax-free lump sum on diagnosis of a serious illness such as cancer, heart attack or stroke — giving you financial breathing room when you need it most.

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Income Protection

Replaces a portion of your income if illness or injury stops you working. Particularly vital for the self-employed and those without employer sick pay.

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Mortgage Protection

Ensures your mortgage is covered if you die or become seriously ill. We match the right policy structure to your mortgage type and circumstances.

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Family Income Benefit

Pays a regular monthly income to your family rather than a lump sum — often more affordable and more practical for replacing lost earnings.

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Whole of Life Cover

Guarantees a payout whenever you die, with no fixed term. Commonly used for inheritance tax planning and leaving a financial legacy.

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Business Protection

Protect Your Business

Specialist advice for business owners, directors and self-employed professionals. We help you protect what you have built.

Relevant Life Insurance

The most tax-efficient way for a company to provide life cover for a director or employee. Premiums are usually paid by the company and may qualify for corporation tax relief, subject to HMRC rules.

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Key Person Insurance

Protects your business against the financial impact of losing a key employee or director through death or serious illness.

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Shareholder Protection

Ensures surviving shareholders can buy out a deceased or critically ill shareholder's share, keeping control of the business.

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Partnership Protection

Allows surviving partners to purchase a deceased partner's share, protecting both the business and the partner's family.

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Executive Income Protection

Company-funded income protection for directors and key employees, covering salary if they cannot work due to illness or injury.

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Business Loan Protection

Ensures your business loans can be repaid if a key person dies or suffers a critical illness, protecting the business from financial strain.

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Director Life Insurance

Tax-efficient life cover for company directors, typically structured as a Relevant Life Plan paid by the company.

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Employee Benefits

Group life insurance, group income protection and group critical illness cover — helping you attract and retain the best people.

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Corporate Critical Illness

Protects your business if a key person is diagnosed with a serious illness, covering lost profits, recruitment costs or loan repayments.

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Business Succession Planning

Ensures your business can continue and ownership can transfer smoothly if a key person dies or becomes seriously ill.

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Not sure what cover you need?

Get in touch and we will help you work out exactly what is right for your circumstances — with no obligation and no broker fees.

Book a Free Consultation Call 01737 333249